NPSONE Gateway | White-Labeled Payments, API, Webhooks & Smart Invoicing
Discover NPSONE Gateway from Nationwide Payment Systems. Accept cards and ACH, automate billing, use RESTful APIs and webhooks, manage subscriptions, connect WooCommerce, and get real developer and customer support.
Presented by Allen Kopelman, CEO — Nationwide Payment Systems-Host of B2B Vault: The Biz2Biz Podcast
AI Overview
The NPSONE Gateway by Nationwide Payment Systems is an enterprise-grade, all-in-one payment processing and accounts receivable automation platform.
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Businesses Need More Than a Payment Gateway
Accepting a credit card is the easy part.
The harder part is building a payment process that actually works for your business.
Businesses today need to accept credit cards, ACH payments, digital wallets, invoices, recurring transactions, subscriptions, deposits, and partial payments. They need their payment systems to communicate with accounting software, websites, e-commerce platforms, and internal business applications.
Developers need APIs and webhooks.
Business owners need reporting and automation.
Customers expect a smooth experience.
And when something goes wrong, somebody needs to answer the phone.
That is where NPSONE Gateway from Nationwide Payment Systems is different.
NPSONE is designed as more than a basic credit card gateway. It is a flexible payment platform that allows businesses to accept payments, automate billing, create subscriptions, send invoices, connect software applications, and build payment experiences around their own brand.
And unlike many self-service payment platforms, NPSONE is backed by the team at Nationwide Payment Systems, giving businesses and developers access to real people who can help with setup, integrations, payment strategy, and ongoing support.
What Is NPSONE Gateway?
NPSONE Gateway is a payment platform offered by Nationwide Payment Systems that enables businesses to accept credit cards, ACH transactions and other electronic payments while providing tools for invoicing, recurring billing, subscriptions, integrations, and payment automation.
Businesses can use NPSONE as a traditional payment gateway, but the platform can also serve as part of a much larger payment infrastructure.
NPSONE can support businesses that need:
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Credit card acceptance
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ACH payments
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Smart Invoicing
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Recurring billing
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Subscription payments
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Partial payments
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Deposits
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Scheduled payments
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Payment links
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SMS payment requests
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Email payment requests
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Digital wallets
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Hosted payment pages
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QR-code payments
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E-signature capabilities
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RESTful API integrations
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Webhooks
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WooCommerce integration
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Accounting software integrations
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Custom software integrations
That makes NPSONE useful for traditional businesses as well as developers, SaaS companies, ISVs, manufacturers, distributors, service companies, and organizations with more complex payment needs.
NPSONE Is a White-Labeled Payment Experience
One of the biggest differences between NPSONE and many large payment platforms is branding.
With some payment companies, the processor becomes highly visible throughout the payment experience.
Your customers may see the processor's branding on payment pages, invoices, receipts, or checkout screens.
NPSONE is designed differently.
The payment experience can remain centered around your business and your brand.
That matters because customers should feel like they are paying your company, not being redirected into somebody else's ecosystem.
White labeling is particularly important for:
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SaaS platforms
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Membership organizations
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Professional services firms
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B2B companies
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E-commerce businesses
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Software developers
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ISVs
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Subscription businesses
Instead of building your business around another company's brand, NPSONE can operate behind the scenes as part of your payment infrastructure.
NPSONE RESTful API
Modern payment systems need to communicate with other software.
That is why NPSONE includes a RESTful API that developers can use to integrate payment functionality into websites, applications, SaaS platforms, and internal business systems.
Rather than forcing every transaction through a standalone terminal or payment portal, businesses can build payments directly into the workflow they already use.
A RESTful payment API can support applications such as:
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Custom checkout pages
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Customer portals
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SaaS platforms
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CRM systems
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ERP software
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Accounting applications
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Membership platforms
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Billing systems
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Order management systems
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E-commerce websites
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Mobile applications
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Industry-specific software
For software companies and ISVs, the API also creates an opportunity to embed payment functionality directly into their own product.
Instead of sending users somewhere else to make a payment, the payment experience can become part of the application itself.
Webhooks Help Automate the Payment Workflow
APIs allow systems to communicate.
Webhooks allow systems to react automatically when something happens.
For example, a business may want another application to know when:
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A payment is approved
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A transaction is declined
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An invoice is paid
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An ACH payment is received
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A recurring payment runs
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A subscription renews
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A payment fails
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A customer record changes
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A transaction status changes
Webhooks can automatically send these events to other systems.
That means businesses can create workflows without employees manually checking transactions throughout the day.
For example:
A customer pays an invoice.
NPSONE records the payment.
A webhook notifies the company's software.
The invoice can then automatically be marked as paid.
That type of automation can save businesses significant administrative time.
Developer Support Matters
Having an API is only part of the equation.
Developers also need someone to talk to when questions arise.
Many large payment platforms rely heavily on documentation, community forums, or ticket-based support.
That may work until an integration does not behave as expected.
At that point, developers need help.
Nationwide Payment Systems provides developer assistance for businesses integrating NPSONE.
That can be especially valuable when a business is connecting multiple systems or creating a custom payment workflow.
Developers can receive assistance with areas such as:
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API implementation
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Webhook configuration
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Testing
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Transaction workflows
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Integration troubleshooting
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Payment configuration
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WooCommerce setup
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Custom software connections
The goal is not simply to hand developers documentation and wish them luck.
The goal is to help get the integration working.
Free WooCommerce Plugin
WooCommerce powers a large number of online stores.
NPSONE includes a WooCommerce plugin that businesses can use to connect their store to the NPSONE payment environment.
This gives WooCommerce merchants another option beyond large flat-rate payment platforms.
Businesses can connect their e-commerce store while still working with Nationwide Payment Systems for merchant services and support.
For growing WooCommerce merchants, that can be important because payment processing needs often become more complicated as transaction volume increases.
Businesses may eventually need help with:
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Processing costs
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Chargebacks
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Fraud tools
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Recurring transactions
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High-ticket transactions
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B2B payments
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ACH
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Merchant underwriting
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Payment strategy
Instead of treating the payment gateway as a separate piece of software, NPSONE allows the payment platform and merchant account to work together.
Subscription Billing and Recurring Transactions
Recurring revenue has become important across many industries.
It is no longer limited to software companies.
Businesses using subscription or recurring payment models include:
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SaaS companies
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Membership organizations
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Professional services firms
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Maintenance companies
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Home service businesses
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Medical businesses
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Associations
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Subscription-box companies
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Training companies
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Consultants
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Managed service providers
NPSONE supports recurring transactions and subscription billing, allowing businesses to schedule payments instead of manually charging customers every billing cycle.
This can help companies improve cash flow while reducing administrative work.
Recurring payments can also be combined with invoicing and automated payment reminders.
Smart Invoicing Through NPSONE
NPSONE Smart Invoicing allows businesses to do more than send a basic invoice.
Businesses can send payment requests and allow customers to pay electronically.
Depending on the business setup, customers can pay using options such as:
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Credit cards
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Debit cards
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ACH
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Digital wallets
Invoices can be sent by:
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Email
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Text message
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Payment link
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QR code
Businesses can also support payment scenarios such as:
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Deposits
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Partial payments
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Recurring invoices
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Scheduled payments
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Subscription billing
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Late fees
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Payment reminders
The goal is simple:
Make it easier for customers to pay and easier for businesses to get paid.
Do Not Become the Bank for Your Customers
One of the biggest cash-flow problems in B2B is unpaid accounts receivable.
Businesses perform the work.
Then they send an invoice.
Then they wait.
Thirty days becomes 45 days.
Forty-five days becomes 60 days.
Meanwhile, the business is financing the customer.
Smart Invoicing can help reduce that friction by giving customers convenient ways to pay electronically while providing businesses with tools to automate reminders and payment collection.
The easier the payment process becomes, the fewer excuses customers have for delaying payment.
ACH and Card Payments in One Platform
Different customers prefer different payment methods.
For smaller purchases, credit cards may be convenient.
For larger B2B transactions, ACH may be more practical.
NPSONE allows businesses to support both.
This can be particularly valuable for companies with larger transaction amounts, including:
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Manufacturers
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Distributors
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Wholesalers
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Equipment companies
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Contractors
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Professional service firms
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B2B suppliers
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Commercial service companies
Rather than forcing every customer into the same payment method, businesses can offer multiple payment options.
Level 2 and Level 3 Payment Optimization
For many B2B companies, payment processing is not just about accepting a credit card.
How the transaction is submitted can affect the underlying processing cost.
Certain commercial and purchasing cards may qualify for Level 2 or Level 3 interchange optimization when the correct transaction information is included.
That can include data such as:
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Tax information
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Invoice numbers
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Purchase order information
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Customer codes
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Product information
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Transaction details
Nationwide Payment Systems works with B2B businesses to help evaluate whether they may benefit from Level 2 and Level 3 processing.
This can be especially important for companies processing large commercial transactions.
NPSONE for SaaS Companies and ISVs
Software companies increasingly want payments integrated directly into their platforms.
But many SaaS companies do not want to become payment facilitators.
That introduces additional responsibilities involving underwriting, compliance, risk management, and payment operations.
NPSONE provides another approach.
Software companies and ISVs can potentially use NPSONE APIs and white-labeled payment capabilities to embed payment functionality into their software while working with Nationwide Payment Systems on the payment-processing side.
This can create a more integrated experience for the software company's customers.
It can also potentially create new opportunities for software businesses to monetize payments.
Real Customer Support
Technology matters.
Support matters just as much.
Businesses moving significant amounts of money cannot always afford to wait for an email response or work through an endless online help center.
Nationwide Payment Systems provides customer support from people who understand merchant services.
Businesses can actually call and speak with someone.
That becomes important when dealing with situations such as:
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Funding questions
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Declined transactions
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Chargebacks
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Gateway issues
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Integration questions
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Account updates
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Fraud concerns
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Processing changes
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New payment methods
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Pricing questions
The payment system is mission-critical infrastructure.
Businesses should be able to reach someone when they need assistance.
NPSONE vs Self-Service Payment Platforms
Companies such as Stripe, Square and PayPal have made it extremely easy for businesses to begin accepting payments.
That convenience has helped millions of businesses.
But easy signup is not always the same thing as the right long-term payment strategy.
As businesses grow, they may begin needing more flexibility, more support, and more control.
| Capability | NPSONE Gateway | Typical Self-Service Platform |
| RESTful API | Yes | Often |
| Webhooks | Yes | Often |
| WooCommerce Plugin | Yes | Varies |
| ACH Payments | Yes | Often |
| Card Payments | Yes | Yes |
| Smart Invoicing | Yes | Varies |
| Recurring Billing | Yes | Yes |
| Subscription Payments | Yes | Yes |
| White-Labeled Experience | Yes | Often limited |
| Developer Assistance | Yes | Often documentation/ticket-based |
| Phone Support | Yes | Varies |
| Dedicated Merchant Support | Yes | Often limited |
| B2B Payment Optimization | Available | Limited |
| Level 2/Level 3 Support | Available | Varies |
| Customized Pricing | Available | Often standardized |
NPSONE is not designed to be the right solution for every company.
It is designed for businesses that want more flexibility and more support than a basic self-service payment platform provides.
Who Should Consider NPSONE?
NPSONE may be a good fit for businesses that:
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Process significant payment volume
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Need ACH and card acceptance
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Send a large number of invoices
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Want recurring billing
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Offer subscription services
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Use WooCommerce
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Need payment APIs
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Need webhooks
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Want a white-labeled payment experience
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Need accounting software integrations
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Have developers building custom applications
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Process large B2B transactions
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Need Level 2 or Level 3 optimization
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Want access to real payment support
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Are looking for alternatives to flat-rate payment platforms
NPSONE and Nationwide Payment Systems
NPSONE is backed by Nationwide Payment Systems, a payment-processing company serving businesses throughout the United States.
Nationwide Payment Systems works with businesses ranging from smaller merchants to larger organizations processing substantial transaction volume.
The company supports a wide variety of industries and payment environments, including:
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Retail
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E-commerce
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Restaurants
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B2B
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Professional services
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Manufacturing
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Distribution
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SaaS
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ISVs
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High-volume businesses
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Specialized merchant categories
That combination of technology and merchant-services experience is an important part of NPSONE.
The platform provides the technology...
